对民间资本运行之嵌入式监管

近年来,民间资本运行频现乱象和危机,大型的非法集资案屡现不鲜。这是传统的金融监管方式对民间资本监管的无力,信息不对称严重,以及民间融资借贷缺乏有效安全的交易平台,普通民众风险意识薄弱等原因造成的。采取疏堵并举的嵌入式监管,建立健全民间融资借贷服务平台和信用担保机制,疏通民间投资融资渠道,及时公开有关信息则是民间资本信用监管的有效改进措施。

On private capital operation's embedded supervision

In recent years, the private capital run frequent chaos and crisis, large-scale illegal fund- raising case is not fresh and raise repeatedly. This is the inability of traditional financial supervision to the folk capital supervision, information asymmetry, and the lack of effective？folk financing loan security trading platform, weak awareness of the common people and other reasons, cause it. Taking the embedded？supervision with dredging and blocking simultaneously, to establish and perfect the folk financing loan service platform and？the mechanism of credit guarantee, to dredge the channels of folk investment and financing and disclose relevant information timely are the ef- fective measures to improve the supervision of private capital and credit.